When first contacting this company, I received almost daily emails and brisk replies to phone messages to get my business. After talking to their representative, Linda Gamble, numerous times and receiving unsolicited emails "pressuring" me into working with them, I became nervous. I was also trying to work with my mortgage company myself to save my home, and that began to look more promising. When contacting my husband, Carol received our banking information (without my knowledge) and took $2250.00 deposit for a retainer from our checking. This implies no fault to the company. Coincidentally, I had decided at about the same time not to use this company's services. We received a phone call requesting our mortgage info or to let them know we had changed our mind. We contacted them to let them know we no longer desired their services, and they promised to send a "Disengagement Letter" which would terminate "our relationship" and they would send our refund after a 10-day processing period. Since this phone call, approximately 2 months or more ago, I have received ONE reply from repeated attempts to contact them through phone messages and emails. Even contacting Linda Gamble, which used to get immediate response, has been to no avail. Our Disengagement Letter was finally emailed on March. 22, 2009. We completed it and faxed it back the following week. Our "10-day processing" period has come and gone. Our attempts to contact them via several emails and a multitude of phone messages has brought nothing but silence. Our original email with the Disengagement Letter was sent by Linda Gamble , with a CC to Karen Crow. Reply emails to both of these ladies has also been met with silence. After not getting refund I start modification prosecess with tham. I did not hear from tham for six months, but I was making tham phone calls and emails to knonw loan modification status. As of today Dec. 2nd, 2009 my modification never be done and none answer from tham. Christmas is around the corner and we have no money. Obviously, money is tight or we wouldn't have been shopping for a loan modification to avoid foreclosure in the first place. The "stress" that is referred to on other complaints in this forum, reading the rebuttals, has not been totally there until now. There is no excuse for stringing us along in this manner. Daily contact, almost to the point of annoying, has turned to no contact now that the money needs to come a different direction. I also have asked, with muddled replies, "if you can access our checking account to take the money OUT, why can you not access the account in the same manner to put the money IN?" I still have not received a legitimate reply to that question. Or a reply at all, as of late. I also find it extremely odd and unsettling that before they had our money contact was easy and swift. Now that we want it back, contact is nil and frustrating. If a rebuttal from the company should occur, please don't tell me about your "outstanding" stance with the Bar, or any other resource. I checked all of that out when considering using your services. I just want to hear when we are getting our refund. If we should get it promptly, so we can have money for Christmas, I will write a positive comment here and on the BBB affiliate page.